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The Cease Collection on Time-Barred Debt Letter is a legally informed, ready-to-use template that helps you assert your rights when collectors attempt to collect on expired debts. Under FCRA, FDCPA, and Massachusetts General Law c. 93 §24, you have the right to refuse payment and communication once a debt is time-barred.
This fill-in-the-blank letter allows you to:
Formally notify collectors that the debt is past the legal statute of limitations
Instruct them to cease all collection efforts and not to report or re-age the account
Protect yourself from unlawful lawsuits or credit report damage
Step-by-step instructions on determining whether your debt is time-barred
Safe template language with caution against restarting the clock
Reference to FDCPA §809(b) and Massachusetts debt collection laws
Guidance on mailing, documentation, and response tracking
Evidence checklist for your records
30-day follow-up instructions if collector fails to comply
Printable PDF
Includes instructions, citations, and timeline tracker
Caution: Never make a payment or written promise on time-barred debt — it may restart the statute of limitations.
Instant digital download — you’ll receive your files immediately after purchase.
Disclaimer: All templates and guides by Assertive Consultation Services, LLC are provided for informational and educational purposes only and do not constitute legal, financial, or tax advice. Use does not create an attorney-client relationship. Users are responsible for reviewing and completing all documents accurately. For legal or case-specific guidance, consult a licensed Massachusetts attorney or qualified professional.
The Cease Collection on Time-Barred Debt Letter is a legally informed, ready-to-use template that helps you assert your rights when collectors attempt to collect on expired debts. Under FCRA, FDCPA, and Massachusetts General Law c. 93 §24, you have the right to refuse payment and communication once a debt is time-barred.
This fill-in-the-blank letter allows you to:
Formally notify collectors that the debt is past the legal statute of limitations
Instruct them to cease all collection efforts and not to report or re-age the account
Protect yourself from unlawful lawsuits or credit report damage
Step-by-step instructions on determining whether your debt is time-barred
Safe template language with caution against restarting the clock
Reference to FDCPA §809(b) and Massachusetts debt collection laws
Guidance on mailing, documentation, and response tracking
Evidence checklist for your records
30-day follow-up instructions if collector fails to comply
Printable PDF
Includes instructions, citations, and timeline tracker
Caution: Never make a payment or written promise on time-barred debt — it may restart the statute of limitations.
Instant digital download — you’ll receive your files immediately after purchase.
Disclaimer: All templates and guides by Assertive Consultation Services, LLC are provided for informational and educational purposes only and do not constitute legal, financial, or tax advice. Use does not create an attorney-client relationship. Users are responsible for reviewing and completing all documents accurately. For legal or case-specific guidance, consult a licensed Massachusetts attorney or qualified professional.